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DOES THIS TOPIC INCLUDES IN THE BANK SECRECY LAW? URGENT LANG PO. THANKS

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mary_1217


Arresto Menor
Let me start from the time na yung husband ko was persuaded by his cousin to be a co-maker to a car loan to mitshubisi. which my husband gladly said yes. kasi co-maker lang naman daw siya. so the transaction was made and the car was release. pero after 4 moths the bank was already hunting my husband kasi daw 2 months delayed na yung payment niya. which became a pala isipan to the both of us. then i made certain calls to the bank. and they surely said that the my husband is not just a co-maker to the car loan. kaya daw siya ang hinahabol nang banko kasi siya ang principal nang car loan. kaya nag taka po kami. them i made some questioning to the bank hangang sa nag away na kami nang pinsan niya. kasi ano naman daw ang problema doon eh babayaran naman daw nila yun. to cut the story short. kahit masama ang loob namin pumayag nalang kami without further investigation kung ano talaga yung nangyari. pero i make sure to the bank that all the contact details na naka lagay sa record nila was change to ours. like the home address and the contact details. para malaman ko kung ano na ang nangyayari sa car loan na yun. para pag nagka problema kami agad ang e contact nang banko. NOW. last week tumawag ang banko to follow payment kasi late nanaman yung payment the pinsan nang asawa ko at my penalty na daw ito. so what we did is inform them. after three days tumawag ako sa bangko to confirm kung naka bayad na sila. here comes the verification process. one of the question ask was the contact details. (e.g. mobile no. or landline no.) hindi daw match sa record nila. which is intriguing because first time nangyari yun. so yun na na confirm na nag bayad sila. then my mother in law called saying na hwag na daw kaming problema kasi hindi na daw kami bulabugin nang bangko kasi inayos na daw nang pinsan nang asawa ko. ibig niya pong sabihin. pinapalitan daw nang pinsan nang asawa ko yung mga contact information/record nang asawa ko without the knowledge of my husband. yung pinsan nang asawa ko yung pumunta sa bangko nag papalit nang mga contact information doon sa bangko para sila na daw ang e contact nang bangko without authorization from my husband.

---now po ang tanong ko. pwd po ba yung ginawa nang pinsan nang husband ko? does the information of the principal borrower from the bank can be change that easy without confirmation from him.? or without authoruzation from him? kasama po ba ang sa bank secrecy law ang personal information nang isang principal bank borrower? please do answer my question. thanks in advance any answer will be a big help.

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attyLLL


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does it mean your husband remains to be the principal borrower? Did they impersonate him?


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mary_1217


Arresto Menor
hindi po namin alam kung ano talaga yung nangyari. pero ang sabi sa akin nang ahente and according sa pinsan. d daw po kasi na approved yung application nang pinsan nang husband ko.. since co-maker and husband ko.. ginawa po nila pinag switch daw po nila yung names.. so my husband po became the principal borrower. kasi daw po nasilip daw po na meron po kaming approval nang car loan sa hyundai commonwealth branch.. [( which is true po kasi dati pa po nag balak po kmi kumuha nang car sa hyundai commonwealth nag try po muna kami mag pa approved and gladly po na approved siya. pero for certain issues hindi na po namin tinuloy.)] so ang ginawa po nang agent nang hyundai pina transfer po yung approval na yun from hyundai papuntang mitsubishi na hindi po kami na inform. and wala man lang tumawag samin from the bank for confirmation. kaya nga po na tataka kming dalawa kung paano nangyari yun. diba po dapat my confirmtaion muna yan bago ma release ang sasakyan.? and ang mali lang po kasi nang husband ko noong ni release yung sasakyan sinama po siya nang pinsan niya. saying that dahil siya ang co-maker kailangan niyang sumama kasi my pipirmahan siya. at ang pina ka mali niya lang po doon kasi hindi niya po tinignan kung ano yung pipirmahan niya. kaya po naka pirma siya nang bank document without any knowledge na bank documents na po pala yun. kasi tinoturo lang daw kung saan siya pipirma. my mali po ba sa process nang bangko? my habol pa po ba kmi?



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attyLLL


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While there are some irregularities regarding the notification issue, overall, the loan is still valid and subsisting.


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